Free Credit Report

Don't fall for sites that offer "free" credit reports, which often end up enrolling you in expensive credit-monitoring programs that you usually don't need. You can get a free copy of your credit report from each of the three credit bureaus (Experian, Equifax and TransUnion) once every 12 months at www.annualcreditreport.com. It's a good idea to stagger your reports -- getting a free one from each bureau every four months -- to keep an eye on the status of your credit and spot potential ID theft throughout the year.